FVH M
ActiveSummary
FVH M has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €180k. Its solvency ranks better than 75% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+7
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity ample (current ratio 4.25 against 2.38 in 2024; short-term debt: 21.4% and cash: 52.7% of total assets), and 21.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.6%
Return on assets
51.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€275k▲ 191%
2024 · €95k
2024: €95k
2024 → 2025
Total assets
€350k▲ 152%
2024 · €139k
2024: €139k
2024 → 2025
Net result
€180k▲ 96.0%
2024 · €92k
2024: €92k
2024 → 2025
Working capital
€243k▲ 327%
2024 · €57k
2024: €57k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€95k-€275k▲ 191%
Operating result€117k-€236k▲ 102%
Net result€92k-€180k▲ 96.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 102% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€32k ▼ 20.9%
Current assets
€318k ▲ 223%
Equity and liabilities €350k
Equity
€275k ▲ 191%
Debt
€75k ▲ 68.6%
Debt's share of the balance-sheet total falls from 32.0% to 21.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€244k▲
2024 · €118k
Cash flow
€189k▲
2024 · €94k
Current ratio
4.25▲
2024 · 2.38
Debt to equity
0.27▼
2024 · 0.47
ROE
65.6%▼
2024 · 97.4%
ROA
51.5%▼
2024 · 66.2%
Interest coverage
824.98▼
2024 · 1795.39
Debt ≤ 1 year
€75k▲
2024 · €41k
Income taxes
€55k▲
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€139k€350k▲
Fixed assets21/28€41k€32k▼
Tangible fixed assets22/27€41k€32k▼
Furniture and vehicles24€41k€32k▼
Current assets29/58€98k€318k▲
Amounts receivable within one year40/41€30k€32k▲
Trade receivables40€30k€31k▲
Other amounts receivable41€183€1k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€68k€184k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€139k€350k▲
Equity10/15€95k€275k▲
Contributions10/11€3k€3k=
Reserves13€92k€273k▲
Distributable reserves133€92k€273k▲
Amounts payable17/49€44k€75k▲
Amounts payable within one year42/48€41k€75k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€38k€71k▲
Taxes450/3€36k€71k▲
Remuneration and social security454/9€2k€0▼
Accrued charges and deferred income492/3€3k€195▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Other operating charges640/8€632€1k▲
Gross operating margin9900€119k€245k▲
Operating profit (loss)9901€117k€236k▲
Financial income75/76B-€7
Recurring financial income75-€7
Financial charges65/66B€66€296▲
Recurring financial charges65€66€296▲
Profit (loss) for the period before taxes9903€117k€235k▲
Income taxes67/77€24k€55k▲
Profit (loss) for the period9904€92k€180k▲
Profit (loss) for the period to be appropriated9905€92k€180k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€180k▲
Transfer to equity691/2€92k€180k▲
To other reserves6921€92k€180k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-03
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
20-03
State Gazette act
Board meeting · Director resignation
Director appointment
17-03
State Gazette act
Board meeting · Director resignation
Director appointment · Board composition
17-03
State Gazette act
Board meeting · Director resignation
Director appointment · Board composition
26-02
State Gazette act
General meeting · Director resignation
Director appointment · Director discharge
23-02
State Gazette act
General meeting · Board meeting
Director appointment · Director resignation
19-02
State Gazette act
General meeting · Director appointment
Director resignation · Board meeting
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €200kEq €275k ▲191%
2 profitable years in a row build equity to €275k.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
07-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
07-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tongeren-Borgloon · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rode Kruislaan 483700 Tongeren-BorgloonGround area
1,702 m²
Building footprint
182 m²
Volume, LiDAR
1,427 m³
Parcel 73083D0211/00Y006, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FVH M
since 20242.353.962.643
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083D0211/00Y006 | Flanders | 1,702 m² | 1 · 181 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
16 connected companiesLinked via shared directors
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Ownership & control
4 board mandatesBoard mandates of this companythis company sits on their board4
1 location
1 location
1 location
1 location
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,566 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2024
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:florencevanderthommen@hotmail.com